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中风的老人该接到美国照顾，还是国内养老院，保姆讨论帖
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2024-11-26 14:15:13
查一下当地的康复医院。蓝州可以接过来，红州不是绿卡不能买奥巴马care.
不管红州兰州，医疗保险是不管长期卧床的，在美国请人照顾一个月几万美金吧
给楼主分享下我家的经历 我家老人在这边中风了， 现在已经回国在康复医院有几个月了，在这边时候是突发 医疗全自费（保守治疗，没有手术，医疗粗略50多万rmb 时间是一周医院两周q recov），我在的地方 大部分康复医院不收没保险的。在这出院了之后联络过长期照顾老人的疗养院，告诉我价格是16000美金一个月； 邻居推荐的两人一间的是大概1万出头美金一个月，最后是找护工撑了一段时间，护工找不到中国人，找了最近在打仗的一个国家， 200白天加100晚上； 老人因为听不懂很不喜欢用了一阵就撤了；现在回国在康复医院，老人对康复医院非常满意，护工一天才300人民币一对一。再分享下旅行保险，一般都不包心血管疾病的；也不保pre existing，包的大概3000美金往上一个月。 但走低收入医保的情况又是另一种，那个不了解。就我的经验 不走福利，纯自费，感觉在这边需要一百万rmb一年
别逗了，美国这边真要有事100万RMB塞牙缝都不够
前两年一个Postdoc在ICU抢救几天，医疗费几百万美元
我們美國兩個同事都是父母住康復醫院一年以上。後來有個醫院不好，其中一個同事還看了其他幾家，給她媽換了醫院。不過前面有姐妹說的好，她也是自己花了很多時間。我問了，康復醫院就是medicare。
medicare只能Cover100天，超过要自费
medicare.gov官网的信息
Long-term care hospital services
Medicare Part A (Hospital Insurance) covers care in a long-term care hospital.
Your costs in Original Medicare
You pay this for each
- benefit period:Days 1-60: $1,632 ($1,676 in 2025) deductible.*
- Days 61-90: $408 ($419 in 2025) each day.
- Days 91 and beyond: $816 ($838 in 2025) each day while using your 60 “lifetime reserve days.”
- Each day after you use all of your lifetime reserve days: All costs.
*You don’t have to pay a deductible for care you get in the long-term care hospital if you were already charged a deductible for care you got in a prior hospitalization within the same benefit period. This is because your benefit period starts on day one of your prior hospital stay, and that stay counts towards your deductible. For example, you won’t have to pay a deductible for your long-term care hospital care if:
- You’re transferred there directly from an acute care hospital
- You’re admitted to a long-term care hospital within 60 days of being discharged from a hospital
Your costs in Original Medicare
In each
- benefit period (2024), you pay:Days 1 - 20: $0. (Note: If you're in a Medicare Advantage Plan, you may be charged copayments during the first 20 days. Check with your plan for more information.)
- Days 21 - 100: $204 each day ($209.50 in 2025)
- Days 101 and beyond: All costs
Part A limits SNF coverage to 100 days in each benefit period.
到底了
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